First Phase Visa® Card application: how does it work?

Applying for a First Phase Visa® Card is straightforward! Learn how to get credit for the things you already do and make your everyday life a little bit easier. Read on!


by Suzana Brito

Published on 11/18/2022

First Phase Visa® Card: Get credit for the things you do every day

First Phase card logo
Change your financial life with this credit-building card! Source: First Phase facebook

Were you looking for a guide to apply for The First Phase Visa® Card? Here is the right place. We’ll show you how to make the application in minutes.


Credit Card

First Phase Visa®

credit bad credit

Build credit. Fast application.

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First Phase Visa® Card is the first step to establishing or rebuilding your credit history. Come with us for a complete guide on how to start. Keep reading!

Apply online

The application for the First Phase Visa® Card is a piece of cake. You make it online all by yourself, anywhere!

To get started, you’ll need to visit the First Phase website and reach the card page. It will take you only three steps:

  1. Personal information;
  2. Home address;
  3. Identity Verification.

Once approved, you’ll have to pay the one-time $89 Program Fee. Then your First Phase Visa® Card can be delivered within five to seven days.



As simple as the application is, the requirements for this credit building card.

  • You have to be at least 18 years or older;
  • You must show proof of an acceptable debt-to-income ratio;
  • And verification checks compliant with the USA PATRIOT Act.


Apply using the app

woman checking her phone
Use the app to manage your account! Source: Pexels

The Bank of Missouri issues First Phase Visa® Card, so you can download their app for free after you complete your application and have your card in your hands.

Downloading the Bank of Missouri app is easy and can help you easily manage all your accounts.

View balances, recent transactions history – even deposit checks. It’s fast and secure (256-bit encryption).

Also, it gives access to helpful tools like paying bills or setting up alerts so that living well becomes much less stressful when it comes time for an important financial decision.

First Phase Visa® Card vs. Revvi Card

First Phase Visa® Card and the Revvi Card are practical answers to revive your credit from rock bottom to the top.

While the Bank of Missouri’s card has useful, practical features, the Revvi Card offers a 1% cash back on purchases.

So, if you want to stick with the basics, First Phase Visa® Card might be a fit. However, if you look forward to more than just building credit, maybe you should consider the Revvi Card.

See their differences and similarities below:

Multiple personalized credit card offers

Applying won't hurt your credit score

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First Phase Visa® Card

  • Credit Score: Fair, Poor, No Credit Required;
  • Annual Fee: $75 for the first year, then $48 yearly;
  • Regular APR: 34.99% fixed;
  • Welcome bonus: It doesn’t come with a welcome bonus;
  • Rewards: It doesn’t offer any rewards.

Revvi Card

  • Credit Score: Available to all scores;
  • Annual Fee: $75 for the 1st year, $48 annually after;
  • Regular APR: 34.99%;
  • Welcome bonus: N/A;
  • Rewards: 1% cashback on payments made with Revvi Credit Card.

Are you ready to order your Revvi Card? Go ahead with our application post!

Revvi Credit Card

How to apply for Revvi card

Revvi Credit card saves your bad credit while you get 1% cash back on all purchases. Read our review to learn more. Check it out!

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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